Some of the specific types of non-dischargeable debt that borrowers will still be on the hook for repaying despite filing for bankruptcy include (but are not necessarily limited to):
Student loan debt – Although borrowers may be able to get the interest on student loan debt discharged by filing for bankruptcy, in most cases, the principal will remain, and borrowers will continue to have to repay this debt through and after bankruptcy.
Court-ordered payments – Child support payments, spousal support payments and other court-ordered payments will not go away simply because a person has filed for bankruptcy. In fact, a Chapter 13 repayment plan must include plans for repaying this type of debt in full.
Restitution fees associated with criminal cases – When people have been convicted of DUI, fraud or any crime and are ordered by the court to pay restitution fees as part of their sentence, these fees cannot be discharged through bankruptcy. Additionally, court fines for even minor infractions like, for instance, traffic ticket fines, cannot be discharged with a bankruptcy case.
Some tax debt – Debt associated with recent income taxes will also persist through bankruptcy and, like other non-dischargeable debt, must be accounted for in a person’s Chapter 13 repayment plan.